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    • Hi 1983 and welcome to CAG   Bear with us as it gets quieter here over the weekend.   CCA requests will not be appropriate for the bank account overdrafts.   Before further suggestions are made about CCA requests from the creditors, can you give us approx opening dates for each of the 5 CC a/c's and the bank loan a/c.
    • Hi,    I'm new to this forum and hoping for some advice!   I have various overdraft, credit card and loan debts, which are all a bit of a mess:   Barclaycard (2 cards) = £14,000 (1 card suspended, but not in arrears) Lloyds CC= £3,800 Tesco CC = £3700 Natwest CC = £650 Natwest Loan £17,000 Natwest OD = £1,400 Halifax OD = £1,500   Currently, I have not missed any payments, but I'm reaching a point where these debts are becoming unmanageable. I have just about kept up with repayments but now all 0% have ended and minimum payments are increasing making it impossible.    I am considering a debt management plan... Reading through other people's experiences, dmp's seem to have mixed opinions and I'm also unsure if I should use a company like Step Change or Payplan whether I'd do better approaching the various creditors myself.   My wife also has debts, but much less (approx £10k and up to date, but struggling). Is it prudent for us to both start a dmp, or will that effect our long term plans if/when we want to remortgage/move down the line? (i know it'll be 6 years after default before these will disappear from our files).   As it stands, my min payments next month are approaching £1k, which is absurd. What kind of level of min payment would I expect to pay in a dmp?   Also, there seems to be a lot of advice on obtaining CCA's. At what point should I be asking for these, or is this something best left until the debts are inevitably sold on?   Sorry for the multiple questions!   Thanks in advance,   A    
    • No I have not  . . . there are two loans bought by Intrum.  An overdataft debit and a Loan. The Overdraft debit has not been settled.   . . . It is still going and it is in the Simple Procedure Court  . . .  and this is what my post is about The Loan debit has been settled by accepting the dicounted settlement.
    • Thanks for the info. I actually got it wrong, it's not in the tenancy agreement, they were just told verbally when signing for the house so even less of an issue now. The agent did say if they had smart meters installed then the landlord would charge to revert them back to standard meters. I've already told my daughter they have no legal grounds to impose such a charge.
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    • Hi @BankFodder
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
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£800+ fine after not recieving letters in first place

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Hi all,


First time I'm doing this post and first time this has ever happened.


I have been sent speeding fines before and I have always sent details and either been to speed awareness courses or had points and paid fine.


In this instance,

I have supposedly been sent a letter to provide driver information for speeding fine,

and then again another letter to say not received anything and to provide again this was all apparently in 2018.


I then received a letter this week (which I actually got) saying I need to pay £800 and have 6 points to add on my licence for failing to provide info and failing to come to court date.


I never received anything prior this the last letter which I received this week.


I have been told to make a statutory declaration,

in which they said you need to attend court date and say that you never knew of the letter beforehand,

which I said yes and then they said if found to be guilty you could face prison sentence and more fines.

I was ok with this as I know I haven't received any letters like this prior (until the final one this week)


After reading reviews its quite concerning as some people have mentioned that the court look at your case and even though you may not received the letter,

its more of a he said,

she said scenario,

which as mentioned is concerning as if I haven't received any letters prior how could I have given my driver information and that court could basically say,

the letters were sent out and that your lieing.


But as mentioned before I have had speeding fines in past and have always sent off information,

if I did make an offence


Is anyone able to give me any advice?

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You've done the statutory declaration?


AIUI this will be accepted and it's effect is to restart the process so that you'll get the chance again to defend the charges you knew nothing about.


Obviously, the stat dec is done by you under oath, so if you are discovered to have lied about not receiving any earlier correspondence, you'd be committing a criminal offence.  But as long as you are telling the truth, you should be OK.


I'm sure somebody will correct any bits I've got wrong.


(Any history of mail going astray?  Is your name and address correctly recorded on the V5C?)

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Yes, Manxman has put you on the right track.


You need to perform a Statutory Declaration

(to declare, on oath, that you knew nothing of the court proceedings against you).


You must do this within 21 days of learning about your conviction.

You can either do so at a Magistrates' Court for which you will need to make an appointment.


They may not be able to fit you in within 21 days but so long as you explain to the court that it was the earliest date available they will accept your declaration.

Alternatively you can make the declaration before a solicitor.

They may charge you a small fee (£5 - £10).


Once this is done the conviction you have (for failing to provide driver's details) is set aside.

The prosecution will almost certainly start proceedings again and in many areas they are now doing so immediately following your statutory declaration.


Ideally it would be best if you could see the prosecutor before the court sits (ask when you check in at reception) and offer to plead guilty to the speeding charge provided the FtP charge is dropped.

It is a common deal which is usually readily accepted.


Under no circumstances should you plead guilty to either offence until you have had the chance to discuss this deal.

If the deal is refused you should maintain Not Guilty pleas to both charges.


They cannot convict you of speeding (they have no evidence you were driving) and the trial for FtP will be held at a later date.

You can then consider your position for that offence.


If they do accept your offer to plead guilty to speeding you might try asking if you can be sentenced at the Fixed Penalty level (£100 and three points) provided the speed is low enough (let me know the speed/limit and I will tell you if it qualifies)..

Magistrates have guidance enabling them to do this which says this:


Where a penalty notice could not be offered or taken up for reasons unconnected with the offence itself, such as administrative difficulties outside the control of the offender, the starting point should be a fine equivalent to the amount of the penalty and no order of costs should be imposed. The offender should not be disadvantaged by the unavailability of the penalty notice in these circumstances.


But first things first - make arrangements to do the Stat Dec.

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  • 3 weeks later...

Did you ever make the stat dec?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Are you in court to do the stat. dec., or have you already done that and they are now prosecuting you?


If you are doing the stat dec now, I think Man in the middle's advice still stands.  You do the stat dec, and they try to prosecute you immediately, you plead not guilty and the case should(?) be adjourned.  Then at the subsequent trial you meet the prosecutor beforehand and offer the plea bargain (I'll plead guilty to the speeding if, and only if, you agree to drop the FtF charge).  AIUI, this is almost always accepted.


If you already did the stat dec before your current court appearance and this is now the adjourned prosecution, I'm a bit surprised you haven't been "allowed" to speak to the prosecutor.


The problem might be that the speeding offence has timed out (they basically have 6 months to start proceedings) and their view is that you can't plead guilty to that now because you haven't been charged with it, and their only chance is to convict you of FtF.  (EDIT: Even then I'd offer to plead guilty to speeding if they would drop the other charge - worth a try.  I'm assuming it was you who was driving the car caught speeding?)


Have you been charged with both speeding and failure to provide details of the driver, or just failure to provide?  (Not clear from your OP.)

Edited by Manxman in exile
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When Man in the middle suggested (#3) you offer to plead guilty to the speeding charge, you never replied to say that you were only charged with failure to provide driver details.  Am I right to think you have not been charged with speeding? 


That makes defending the failure to provide more difficult.  You'd have to satisfy the court you never received the request, or had a very good reason for not replying and naming the driver.


Presumably you never received notification of the original trial where you were found guilty in your absence of failing to provide details?  As I asked in #2, have you any evidence of other mail addressed to you going astray, is your address on the V5 correct?

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